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I never knew how much debate could be created by making the mere statement of placing IP-enabled networks at the core of the bank and re-engineering to exploit this as the basis of future banking.  This is instead of placing branch networks at the core. Some people believe this is purely academic as we have…

For half a millennia, retail banks have worked on the basis of physical distribution.  For half a century, that model has been challenged to move towards electronic distribution.  At the end of the first decade of the new millennium, we have finally reached the point where electronic distribution has matured, works and is proven. Unfortunately,…

For half a millennia, retail banks have worked on the basis of physical distribution.  For half a century, that model has been challenged to move towards electronic distribution.  At the end of the first decade of the new millennium, we have finally reached the point where electronic distribution has matured, works and is proven.  Unfortunately,…

Leaving Las Vegas is always a bitter pill.  On the one hand, you’re leaving behind all the bright lights, shows, drinks, girls … you name it – what goes on in Vegas, stays in Vegas … on the other, my pocket is a few thousand dollars lighter and so it’s nice to escape before bankruptcy…

Leaving Las Vegas is always a bitter pill.  On the one hand, you’re leaving behind all the bright lights, shows, drinks, girls … you name it – what goes on in Vegas, stays in Vegas … on the other, my pocket is a few thousand dollars lighter and so it’s nice to escape before bankruptcy…

A quick reminder, if any were needed, that it is not just banks that can suffer from an operational risk event. Governments can too. The difference, of course, is that you can change your bank at any time.

A quick reminder, if any were needed, that it is not just banks that can suffer from an operational risk event. Governments can too. The difference, of course, is that you can change your bank at any time.

I have been out of contact over the last few days due to the fact I am moving house, so when I finally got my podcasts to listen to there were a few. I saw one from the BBC’s Today program on Northern Rock (warning – multi-megabyte MP3 file) and I thought this may be…

I have been out of contact over the last few days due to the fact I am moving house, so when I finally got my podcasts to listen to there were a few. I saw one from the BBC’s Today program on Northern Rock (warning – multi-megabyte MP3 file) and I thought this may be…

The third keynote at this year’s BAI is Bob Geldof.  I was a bit concerned about him being here as I know there’s a six-figure speaker fee and thought: "has Bob sold out and gone onto the speaker circuit on the back of Live Aid or is he being philanthropic and giving this money to…